There are definitely some naysayers when it comes to the pet insurance field. “Health insurance for my dog? I have a vet and my dog is young and healthy, I don’t need that.” The question to be posed here is, if you consider your dog or cat an invaluable member of your family, wouldn’t you want to provide the same coverage for them? Even (and especially) if you just got a new puppy, vaccinations and minor accidents at the vet can add up quick. Pet insurance companies offer the same peace of mind as human health insurance, so you don’t have to stress about shelling out over a hundred bucks every time your pup needs something as simple as a blood test. On the more serious end of the spectrum, should your pet need surgery of any kind, your pet insurance plan will more than pay for itself. Essentially, you only pay a deductible and a monthly premium depending on your plan, and when and if (heaven forbid) a health issue arises with your pet, your insurance company reimburses you the cost of care after you submit a claim. Let’s say your pup gets a little too curious and swallows a chicken bone; the average cost of ‘foreign object ingestion’ treatment is around 3 grand! With the right insurance, you can knock that cost down by over 60%! Let’s take a look at some of the most reputable plans that we recommend!
Trupanion is a trusted pet insurance company that boasts quick and easy direct pay to your vet at the time of treatment. This means no waiting on reimbursement checks and more time to focus on what matters; the health of your pet! Trupanion has only one policy that reimburses 90% of your coverable expenses and has no payout limits, which can be a lifesaver when your pet really needs it.
Nationwide has the brand name recognition gained from auto and home insurance, but have also been covering pets for over four decades. They offer different plans for illness, injury and wellness and cover both chronic and new conditions at no additional cost. Nationwide has a wide range of coverage ranging from flea/heartworm treatment to holistic and alternative care.
Pets Best is a relatively newer company (est. 2005) but still rates among the highest for pet insurance companies. They offer a unique and ultra-affordable ‘accident only’ plan that covers incidents such as accidental swallowing for as little as $10 a month. They were founded by a prominent veterinarian and offer fast claim turnaround and direct deposit reimbursement.
Of course, different plans and companies suit different pet/pet owner needs, so shop around and decide on a plan that works best for you and your fuzzy family member (the companies respective sites are linked in their name headers). After all, knowing your dog or cat is covered in the case of any illness or accident offers a peace of mind that you can’t put a price tag on!
Wishing you and your pets a happy and healthy Fall season,